Wyoming Property Insurance Exam 2026

What This License Is

A Wyoming Property line of authority covers insurance against loss to real and personal property. It is issued by the Wyoming Insurance Department and examined as exam code 03.

Most candidates take the combined Property and Casualty paper instead — exam code 06, 150 questions, $113 — because the application fee covers the whole Property, Casualty, or Personal Lines fee group at a single $100 for residents. Adding lines inside that group costs nothing further in state fees.

This line is also the prerequisite for surplus lines, which in Wyoming is a separate licence with its own examination, its own fee, and a requirement to maintain an office in the state. That route is covered in full below.

There is no pre-licensing education requirement for any Wyoming line.

Exam Options & Format

The standalone examination is exam code 03: 100 questions in 2 hours at $96. The combined Property and Casualty paper, code 06, is 150 questions in 2 hours 30 minutes at $113 and earns both lines.

Both run in two parts — a General section and a Wyoming State section — scored together as one paper. Partial passes are not permitted: fail part of a combination exam and the whole paper is retaken.

The content outlines effective July 31, 2025 give the Property line 50 scored plus 5 pretest general and 35 scored plus 5 pretest Wyoming state. Those figures total 95 against the handbook's printed 100, and the two documents carry cover dates three years apart.

The passing standard is 70 percent of questions answered correctly.

Most Tested Topics on the Wyoming Property Exam

Wyoming's property law is short on residual-market machinery and long on termination procedure. These are the facts the state section tests:

The 45-day cancellation notice is the number to carry. Most national material teaches a 10-day nonpayment notice and a 30-day notice for other grounds. Wyoming's nonpayment figure matches at 10 days, but its other-grounds figure is 45, and it applies across all property and casualty rather than to personal lines alone. Note also that the four permitted grounds only bite once the policy has been in effect 60 days or has been renewed.

Two cautions on how this is often taught. First, there is a live conflict worth knowing rather than smoothing over: the Commissioner's older automobile rule, §14-4, sets 20 days' notice for general cancellation of an automobile liability policy, while the later statute sets 45 days across all property and casualty. Both are current text. Teach the statute and know the rule exists. Second, the 90-day nonrenewal notice attaches only to professional health care malpractice liability policies — it is not a general Wyoming figure.

And the FAIR plan question has a negative answer with a specific reason. Wyoming's residual-market authority sits in an unlikely place — W.S. 26-14-112, inside the Rates and Rating Organizations chapter — and it is enabling framework only: insurers in pools may cooperate, pools must file their organisational documents, and any residual market mechanism must be submitted to the commissioner for approval. It names no property plan and creates none. An automobile residual market does exist — Rule §14-6 refers to “the automobile assigned risk plan or Wyoming automobile insurance plan”, disjunctively; a property one does not.

Where to Test in Wyoming

Wyoming's test-centre geography is a genuine planning constraint, and the handbook is unusually forthcoming about it — it prints not just addresses but how many days a month each site is open.

Read that table carefully before you plan. Only Cheyenne is open six days a week. Five of the eight Wyoming sites run two days per month — which means a missed sitting can cost you a fortnight rather than an afternoon. And two of the ten sites Wyoming candidates are pointed at are not in Wyoming: Billings, Montana and Pocatello, Idaho, which for candidates in the north and west may genuinely be the closest option.

That scarcity is the practical argument for online proctored delivery, which Wyoming allows. The Health guide covers OnVUE and its two-attempt cap.

These addresses and schedules are as printed in a candidate handbook with a January 2023 cover date, so treat them as a guide rather than a guarantee — the live authority is Pearson VUE's own test-centre finder, which you reach when you schedule.

Booking and changing. Register with Pearson VUE; candidate services is on 866-936-7786. To change or cancel, call at least 48 hours before the examination: with proper notice you may transfer the fee to a new reservation or request a refund, and without it you forfeit the examination fee. An excused absence may be requested within 14 days for illness, a death, a traffic accident, court duty, military duty or a weather emergency — the last of which is not a theoretical category in Wyoming, and the handbook has a separate Weather Delays and Cancellations section.

The Surplus Lines Route in Wyoming

With no property FAIR plan, Wyoming's answer for risk the admitted market will not take is the surplus lines market — and placing business there takes a separate licence.

Getting in. Under W.S. 26-11-112(f) a resident applicant must hold a current property and casualty producer licence, submit a completed uniform application, pass a written examination in a form prescribed by the commissioner, pay the fees, and establish and continuously maintain an office in this state. The exam is code 82, Surplus Lines Broker: 60 questions in 1 hour at $96. A business entity must designate a licensed surplus lines broker responsible for compliance, and a non-resident may have the exam waived where they hold a valid home-state licence and reciprocal treatment applies.

Diligent effort — and the number Wyoming does not set. W.S. 26-11-104 conditions export on the full amount of insurance required being "not procurable, after diligent effort has been made by the insurance producer to do so, from among the admitted insurers authorized to transact and actually writing that kind and type of insurance in this state." Read the qualifier: the search runs among carriers actually writing that kind and type, not every admitted carrier. The broker must verify that a properly conducted diligent effort search was performed and documented as prescribed by the commissioner.

What the statute does not do is set a number. National study material routinely teaches three declinations before a surplus lines placement; Wyoming states a process-and-documentation standard instead. Do not supply a count that is not there.

The export list, and how it works. W.S. 26-11-106 lets the commissioner, by order after notice and a hearing, declare a coverage type or risk eligible for export generally — without compliance with the ordinary conditions — on finding that there is no reasonable or adequate market among admitted insurers as to risk acceptance, contract terms, premium or premium rate. The order lasts while the conditions that predicated it persist, subject to earlier termination.

The tax and the calendar. The tax is 3 percent of gross premiums charged, less return premiums (W.S. 26-11-118), paid at the time of filing the affidavit report. Delinquency carries interest at 9 percent per year, compounded annually, from the day the amount becomes delinquent (26-11-119).

The affidavit report under W.S. 26-11-117(a) is due on or before February 15, May 15, August 15 and November 15 of each year, verifying that all surplus lines insurance transacted during the preceding calendar quarter has been submitted as required — and subsection (b) requires it to include a statement as to the diligent efforts made to place the coverage with admitted insurers and the results of that effort.

Duties to the insured. W.S. 26-11-108 governs evidence of surplus lines insurance and 26-11-109 the required information on surplus lines contracts and the duty to notify the insured. W.S. 26-11-110 addresses enforceability and validity, and 26-11-111 the liability of the insurer as to losses and unearned premiums.

What It Costs

$96 to Pearson VUE for the Property exam, $100 to the Department with the application, and $39 for fingerprinting for a first-time resident — about $235, with no pre-licensing course to buy.

The combined Property and Casualty paper is $113 and earns both lines, against $192 for the two single papers. Because the application fee covers the whole Property, Casualty and Personal Lines group at one $100, the combined route is the cheaper path to a broader licence.

Surplus lines later is its own track: exam code 82 at $96, a $100 resident licence fee ($150 non-resident), and the ongoing 3 percent premium tax with quarterly filings.

The exam fees come from a January 2023 handbook and no newer fee source was found — confirm at booking.

Eligibility Requirements

You must be at least 18 years old, and residents must pass the Wyoming licensing examination for the lines of authority sought before applying. Wyoming's Department of Insurance describes a three-step path for residents — pass the exam, apply and pay the fee, then complete the fingerprint background check — with no pre-licensing course step in it.

A criminal record does not automatically bar a licence. The Department's FAQ addresses it directly, and an applicant answering yes to a background question uploads four items to the NIPR Attachment Warehouse: the original charging documents; final disposition documents including the judge's final order and any fines or sentencing; proof that all fines are paid and all sentencing including probation is complete; and a written explanation of the circumstances. Federal law at 18 U.S.C. 1033 separately requires written consent for anyone convicted of a felony involving dishonesty or breach of trust.

Keeping Your License Active

Twenty-four classroom hours per two-year licensing period including three ethics hours, renewing on the last day of your birth month. The Property & Casualty guide covers the mechanics, the carryover cap and the reinstatement cliff.

Property producers carry no product-specific training gate — the annuity course attaches to the life line. Note the continuing education exemptions that do exist: non-resident producers are exempt entirely, and so are holders of licences for insurance types that require no examination, plus limited or restricted licences the commissioner exempts. A full Property line is not among them.

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